以互联网金融发展背景下小微企业融资为研究对象,对互联网金融支持小微企业融资模式进行研究,重点对人人贷模式、众筹融资模式和电商小额贷款模式的资金和信息运行模式、各模式融资特点和发展所处阶段进行分析。结果表明,互联网金融降低了信息不对称和交易成本,为小微企业融资提供了新的融资渠道；实现了融资双方资金和信息的有效配置；为小微企业提供了公平透明高效便捷的融资平台、融资渠道和融资机会。基于此,提出了促进互联网金融发展和支持小微企业融资的对策建议。

Taking small micro enterprises financing as research object under the background of internet finance, the paper studies the financing model of internet finance support to small micro enterprises, and mainly analyses Peer-to-Peer lending, Crowd funding, E- business small loans model , and their capital and information operation model, financing characteristics and the development stage. The results show that internet finance which provides a new financing channels for small micro enterprise reduces the information asymmetry and transaction cost; internet finance implements the financing efficient allocation of capital and information; internet finance provides fair, transparent, efficient and convenient financing platform, financing channels and financing opportunities for small micro enterprise. Based on this, we put forward countermeasure and suggestion to promote internet finance support to small micro enterprises.

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陕西省软科学重大项目“陕西省统筹科技资源改革实现创新驱动发展路径研究”